Simply put, it’s a state-required certificate of financial responsibility that proves you carry the minimum liability coverage. SR-22 insurance is typically required for three years, depending on the state, following certain driving violations. Use this comprehensive guide to learn how it works and request an SR-22 insurance quote today, with same-day filing available through Infinity Insurance Agency, Inc. (IIA) after customer payment.
Who must file an SR-22?
Filing an SR-22 is not necessary for everyone, only for those with a state order for one. Typically, an SR-22 is required for drivers who have committed serious driving violations, such as:
- Major convictions like DUI or reckless driving
- Driving without insurance
- Failure to pay damages for an at-fault accident
- Underage drinking violations
- Causing a car accident
- Multiple violations within a short time period
- License suspension or revocation
You will need to contact your state’s Department of Motor Vehicles (DMV) or an equivalent agency to have an SR-22 filed, verifying that you have the required auto insurance coverage.
How an SR-22 works
If you’re mandated to get an SR-22, you can contact an auto insurance company to help you file one. Not all auto insurance companies offer SR-22 filing, so you may need an agency, like IIA, to match you with insurance carriers that do.
Drivers required to obtain an SR-22 usually must maintain the certificate for three years, though the duration depends on the state and the driving violation. Any lapse in the minimum liability coverage during this period can lead to additional penalties, including a driver’s license suspension or extra fees. Find out about insurance companies that offer SR22 filing by speaking with an IIA agent.
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How much filing can cost
The typical fee to file an SR-22 is about $25, though the exact amount varies depending on the insurer and state you live in. While the filing fee itself may not seem like a lot, it may come with an increase in your insurance premium. A change in your premium after filing is generally driven by the underlying violation that led to the need for an SR-22 and your risk profile as a driver.
High-risk drivers or those with serious driving offenses may see higher insurance rates because of incidents that require an SR-22.
If you’re interested in cheap SR-22 insurance, IIA can help you find a range of affordable, quality insurers.
Non-owner SR-22
You can file for non-owner SR-22 insurance online if a court orders you to file for the certificate, but you don’t own a car. With IIA, you can also obtain a non-owner policy that meets your state’s liability minimum requirements.
SR-22 vs. FR-44
Like an SR-22, an FR-44 also proves you are maintaining a level of financial responsibility. An FR-44, though, is specific to certain states. Drivers in Florida and Virginia who’ve had serious driving offenses are often required to get an FR-44.
If you’re in one of these states with alternative filing methods, you can talk to an insurance agent to help you figure out the right course of action.
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State-specific SR-22 requirements
Below are some states and the usual requirements for filing for an SR-22. Keep in mind that state minimums can change.
| State | Filing Fee | Minimum Liability Coverage | Typical Duration |
| California | $25-$50 | 30/60/15 ($30,000 for bodily injury per person/$60,000 for injury for more than one person /$15,000 for property damage) | Typically three years |
| Texas | $25-$50 | 30/60/25 ($30,000 for bodily injury per person/$60,000 for injury for more than one person /$25,000 for property damage) | Usually two years |
| Arizona | $25-$50 | 25/50/15 ($25,000 for bodily injury per person/$50,000 for injury for more than one person /$15,000 for property damage) | Generally three years |
FAQs about SR-22
Is SR-22 insurance a policy or a filing?
An SR-22 is a filing, not an insurance policy. It is a certificate of financial responsibility that your insurer submits to the state to verify that you carry the required minimum liability insurance.
Can I get an SR-22 if I don’t own a car?
Yes, you can get a non-owner SR-22 if you do not own a vehicle.
How long do I need to keep SR-22?
Often, you are required to keep an SR-22 for three years. The time period varies by state and depends on the underlying offense.
What happens if my coverage lapses?
Any lapse in the minimum liability coverage during the period where you must have an SR-22 may result in further penalties including license suspension or additional fees.
What’s the difference between SR-22 and FR-44?
The key difference is that an FR-44 is specific to a few states, like Florida and Virginia. An SR-22 and FR-44 are both state-required filings needed to prove you have the necessary insurance after certain driving violations.
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How to get an SR-22 (step-by-step)
Failing to file an SR-22 when required can lead to serious consequences, including license suspension, legal penalties, and additional fees such as license reinstatement costs. IIA can guide you through the filing process. Here is how you can obtain an SR-22 and potentially avoid penalties:
- Contact us: Talk to an agent at 1-855-478-3705 and let them know that you need an SR-22, or certificate of financial responsibility.
- Get a quote: With IIA, you can get a free, personalized insurance quote that includes the SR-22 filing fees.
- File the SR-22: We can help submit your SR-22 form to your state’s DMV or a relevant agency on your behalf. IIA offers same-day filing in many states once the initial customer payment has been received.
How IIA can help
IIA can help you navigate the SR-22 filing process. Our experienced Spanish-bilingual team is familiar with state-specific SR-22 and auto insurance requirements, including in Texas and California. We can match you with carriers that file SR-22s to help you stay compliant with state laws. Call us today at 1-855-478-3705 for assistance with your coverage questions, updating your policy, or getting a personalized SR-22 insurance quote.
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